UM / UIM Coverage

Uninsured and underinsured motorist coverage that pays the injured party when the at-fault driver has no insurance or too little.

Related terms

The portion of an at-fault driver's auto policy that pays for injuries they cause to other people.

The maximum amount an insurance policy will pay for a covered claim — a hard ceiling on what's available to settle a case.

Optional auto coverage that pays accident-related medical bills regardless of who was at fault, up to a set limit.